Who is the regular driver of your car?

THERE are many scenarios in which someone else could drive your car. Perhaps you allow a family member or your adult child to use it and you name them as the regular driver. You probably think that if an accident happens your insurance will pay out. But it’s not that simple, because the insurer has to know exactly what risk they’re insuring against. You can’t name your dad as the regular driver of your car simply because he has a good claims history and you’re able to get a lower premium on his risk profile.